Dividend based investment plan or capital growth investment plan?

I agree with others here on not buying investment plan from insurance companies. I wouldn’t say they are not good, but these are more for those who may not have the knowledge to buy ETFs on their own, or no access to Seedly in which everyone talks so much about funds etc (well they don’t know what they don’t know right).

Now that you have seen input from people here, do consider them.

Back to your question, in terms of going between div vs growth, I would say depending on your time horizon, your age, what are your financial goals, any expected need for liquidity soon etc etc

Both somehow: SWRD or ISAC are recommended for ultra-longterm Buy'n Hold.

omit any insurance company 'investing' vehicles, no joy, unfunny ...